LEGAL PROTECTION OF CONSUMERS USING E-MONEY IN VIEW FROM LAW NUMBER 8 OF 1999 REGARDING CONSUMER PROTECTION

One of the problems that arise for consumers or electronic money holders is card damage. Card damage usually occurs in chip-based types. Damage to causes failure payment transactions because cannot be read by reader at merchant where transaction made, resulting a failed transaction. The type research used this discussion normative juridical research, namely provide an understanding law statutory instrument regulatory its implementation. Furthermore, data obtained presented descriptively and then analyzed qualitatively. results study show form legal protection users Electronic Money (e-money) loss e-money cards so they are unauthorized parties Consumer Protection Act which gives right file claim compensation district court. Consumers can also bring problem Dispute Settlement Agency (BPSK). position filing lawsuits related banking sector, have rights obligations using products.